Army veteran Frank McCloud arrives at the Hotel Largo in
Key Largo, Florida, visiting the family of George Temple, a friend who served under him and was killed in the
Italian campaign several years earlier. He meets with the friend's widow, Nora Temple, and father, James, who owns the hotel. Because the winter vacation season has ended and a
hurricane is approaching, the hotel has only six guests: dapper Edward "Toots" Bass, boorish Richard "Curly" Hoff, stone-faced Ralph Feeney, servant Angel Garcia, attractive but aging alcoholic Gaye Dawn, and a sixth man who remains secluded in his room. The visitors claim to be in the
Florida Keys for fishing. Frank tells Nora and James about George's heroism under fire and shares some small and cherished details that George had spoken of. Nora and her father-in-law seem taken with Frank, stating that George frequently mentioned Frank in his letters. While preparing the hotel for the hurricane, the three are interrupted by Sheriff Ben Wade and his deputy Clyde Sawyer. They are searching for John and Tom Osceola, a pair of fugitive American Indian brothers. Soon after the police leave, the local
Seminoles seek shelter at the hotel, among them the Osceola brothers. As the storm approaches, Curly, Ralph, Angel, and Toots pull guns and take the Temples and Frank hostage. They explain that the sixth, reclusive member of their party, is the notorious gangster Johnny Rocco – who was exiled to Cuba some years before. Rocco is waiting for his
Miami contacts to arrive to conclude a deal. The gang discovers Deputy Sawyer looking about, and they capture him. A tense standoff ensues. Frank declines to fight a duel with Rocco, stating his belief in self-preservation over heroics and that "one Rocco more or less isn't worth dying for”. Rocco shoots Sawyer, and Rocco's men take Sawyer's body out on a rowing boat in the approaching storm to
bury it at sea. As the storm rages outside, Rocco forces his former
moll, Gaye, to sing for them but then demeans her. In contrast, Frank politely gives her the promised drink and ignores Rocco's slaps. Nora understands that Frank's heroism matches her husband's, who was killed around
Monte Cassino in Italy. Mr. Temple invites Frank to live with them at the hotel, a prospect that intrigues Nora. The storm finally subsides. Sheriff Wade returns looking for Deputy Sawyer, and discovers his body washed up by the storm on the hotel driveway. Rocco goes outside and convinces Sheriff Wade that the Osceola brothers are responsible for Sawyer's death. Wade confronts and kills them both before leaving with Sawyer's body. Rocco's contact Ziggy arrives to buy a large amount of
counterfeit money. Rocco then forces Frank, who is a skilled seaman, to take him and his henchmen back to Cuba on the small hotel boat. As the gang prepares to board the boat, Gaye steals Rocco's gun and covertly passes it to Frank. Out on the
Straits of Florida, Frank uses seamanship, trickery, and the stolen gun to kill the gang members one by one. He then heads back to Key Largo, while
radioing for
Coast Guard help and to get a message to the hotel. Meanwhile, Gaye tells Wade that Rocco bears the blame for Deputy Sawyer's murder. Wade mentions that Ziggy's gang has been captured and leaves with Gaye to identify them. The phone rings: James and Nora are delighted to hear that Frank is returning safely. Nora opens the shutters to the sun – while out at sea, Frank steers the boat towards shore. ==Cast==